Name: Excel Adjusters
Rating: 4.9

Insurance Policy Experts. Unmatched Client Advocacy.

Dealing with the aftermath of a wildfire can be an emotionally draining experience for residential property owners. Damage from smoke, soot, ash, and water often conceals the true extent of the destruction, making it challenging to file a detailed and effective insurance claim.

A public adjuster is an invaluable resource for managing wildfire claims. With expertise in smoke damage, partial fire loss, and total fire loss, these professionals help property owners and renters identify and document all damages. Their knowledge ensures you have a strong advocate throughout the claims process.

Since 1997, Excel Adjusters has built a reputation for excellence by resolving over 2,200 property damage claims. With 24 years of experience, we specialize in handling wildfire insurance policies, working diligently to achieve fair settlements for homeowners. Let us put our expertise to work for you.

Wildfire Damage and Insurance Challenges

The destructive force of wildfires often results in damage that extends far beyond what is immediately apparent, such as:

Fire damage to your home or property: Partial and full burns compromise structural safety, posing serious risks to your home.
Effects of smoke damage: Smoke infiltrates buildings, leaving behind stubborn odors, unsightly discoloration, and health hazards.
Water damage from wildfires: Damaged water systems frequently lead to contamination and associated destruction.
Wind-related damage: High winds during wildfires can cause fallen trees, debris impacts, and additional structural problems.

Understanding your insurance policy is crucial when dealing with the aftermath of a wildfire. The complexities of large fire coverage often make it challenging to identify what you are entitled to claim.

Wildfire Damage and Insurance Challenges

Understanding Homeowners Insurance Coverage for Wildfire Damage

Coverage A: Main Home or Dwelling

This section of your policy provides protection for your residential property, addressing fire damage to all structural areas, including those below the main floor. It offers fair and reasonable coverage for total fire loss.

Coverage B: Additional Structures

Structures near your residential dwelling, such as fences, sheds, pools, pool decks, and landscaping, are covered under this provision. Concrete driveways and walkways are also included for comprehensive protection.

Coverage C: Personal Belongings

Personal belongings within your residential property are protected against fire-related loss or damage. This includes items owned or used by your family that were present in the home during the fire.

Coverage D: Living Costs

If your residential property becomes uninhabitable, this coverage reimburses costs for temporary accommodations. The level of reimbursement depends on your insurance policy’s stated limits.

How Excel Adjusters Can Help

To receive fair and reasonable compensation for wildfire damage affecting your residential property, a public adjuster is indispensable. Excel Adjusters in Brentwood offers licensed professionals to manage the claims process. Acting as advocates for property owners, we negotiate effectively with insurers to secure just settlements.

Why Us - Our Services

Providing Loss Assessments Experts as Needed

Our team works alongside third-party hygienists and specialists to provide reliable support for your insurance claim. Their independent evaluations ensure a fair and unbiased approach to evidence collection and analysis.

This process allows us to determine the full extent of the damage to your residential property in Brentwood with clarity and confidence.

Documenting Visible and Unseen Damage

We conduct a thorough evaluation of your residential property to identify and document wildfire damage accurately. Through collaboration with expert specialists, we ensure both visible and concealed damages are uncovered and recorded.

Claims Strategy Development

With a detailed review of your residential insurance policy, we develop a tailored claims strategy. This ensures your wildfire-related damages are fully accounted for and fairly compensated.

Providing Full Proof of Loss

Our meticulous documentation and deep policy understanding enable us to prepare and present a comprehensive proof of loss.

Managing Complex Communications

We handle all interactions with your insurance provider, reducing your burden. Our team ensures you stay informed throughout the claims process.

Negotiation for Fair and Reasonable Settlement

Our expertise in residential wildfire claims allows us to negotiate confidently, striving for the most favorable settlement for your property.

Our Step-By-Step Process

Identifying Safety Risks
Understanding Your Insurance Claim
Evaluating & Assessing Damages
Creating a Recovery Plan
Negotiating Your Insurance Claim On Your Behalf
Settling & Helping You Get Fair and Reasonable Benefit Amount

Wildfire Insurance Claims FAQ

What is the first step when filing my wildfire insurance claim?

Initiate the claim process by contacting a public adjuster and a qualified hygienist to evaluate and document damages to your residential property. Early action is essential to ensure a comprehensive record of all damages.

Does insurance cover power surge damage?

Yes, if you provide proof that the wildfire caused the power surge, homeowners’ insurance may cover the related damage.

How do insurance companies deal with wildfire claims?

Insurance companies typically inspect your property and evaluate damages to decide the scope of coverage for repair, rebuilding, or remediation work.

What is the difference between a fire claims public adjuster and an insurance adjuster?

A public adjuster is your advocate, working exclusively for you, while an insurance adjuster is employed by your insurer and may focus on protecting their interests.

What is the cost of a public adjuster in Brentwood?

Public adjusters are compensated with a percentage of your settlement, aligning their motivation with securing the best possible outcome for you.

If your homeowner property claim is causing stress, we’re here to alleviate the burden and offer expert help!

*According to the Insurance Information Institute

Public Claims Adjusters for Residential Wildfire Claims in Brentwood